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Hey msjan68! If you look on your credit report, it should tell you the date the delinquent account is scheduled to remain on file until. Subtract 7 years from the date, and that's the original delinquency date. The reason is that delinquent accounts remain on your credit report for 7 years.

For example, if the date the delinquent account is scheduled to remain on file until is 12/31/2015, that means the original delinquency date is 12/31/2008. Hope this helps!

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